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I am currently thinking of moving the funds to a Vanguard Target Retirement account. However, since I am, IMHO, behind the curve, perhaps I should be a bit more aggresive and go with the 30 yr old's account (2035) instead of the 40 yr old's (2025). Thoughts?

Jonathan Pond recommends that late-starters should be more aggressive and have more in equities than is normally recommended because he believes that this is the only way for the portfolio to grow to where it needs to be for retirement. That said, you're not as far behind the curve as you might think, if by "the curve" you mean the whole universe of future retirees, not just the folks on TMF. ;-)

You have to decide how comfortable you'll be with your decision.

2old

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